Charles Levy is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He worked at Citigroup Global Markets for 10 years prior to joining Morgan Stanley Smith Barney in 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Parminder Banga is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He has worked at Merrill since 2016 and has also been associated with Bank of America, N.A. outside of Merrill. Banga and his wife hold a license with Amway Corporation for a small direct distribution business, primarily operated by his wife. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Moreen Latchman is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at J.P. Morgan Securities for 12 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Craig Meier is a financial advisor with Wells Fargo Clearing in San Leandro, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Apostolos Kiriazis is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding a Series 66 designation and six years of industry experience. He has been with JPMorgan Chase Bank and its affiliates since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary advisory program.

Lyn Jen Tsai is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 licenses and having 26 years of industry experience. Tsai has worked with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2009, following seven years at Citigroup Global Markets. Outside of advisory work, Tsai owns and manages a rental property business. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Ami Ibarra is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012. Outside of her advisory role, she is involved in real estate through ownership in Raven Capital LLC and works as a contractor for RentSmallSmall, focusing on renting to young professionals in Africa. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative due diligence in its recommendations, which may include ESG criteria and utilize affiliated entities for implementation and portfolio services.

Lin Xie is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Prior to that, he was employed at Cetera Investment Services LLC and East West Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery and proprietary planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Brian Tucker is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at First Republic Securities Company and First Republic Bank for over a decade. Brian is based in Palo Alto, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, and incorporates ESG considerations while allowing clients to retain final decision-making authority.

Gary Klein is a financial advisor with LPL Financial based in Hayward, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Trilogy Capital, Inc., National Planning Corporation, and Trilogy Financial Services. He is also an insurance agency agent specializing in universal life and term insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives who may use various strategies and proprietary tools.

Abanti Pakrasi is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in helping individuals and families plan and achieve their life goals. With over two decades of experience, Abanti works closely with clients to create personalized investment strategies that align with their priorities, risk tolerance, time horizon, and liquidity needs. Her client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, women and wealth, and retirement income. Abanti holds a Bachelor’s degree from Delhi University and an MBA in Finance from the University of Southern Mississippi. She is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Personal Investment Advisor (PIA). Fluent in English, Hindi, Bengali, Gujarati, and Punjabi, she brings a diverse cultural understanding to her practice. In addition to her professional work, Abanti participates in community volunteer activities, including her involvement with Community Seva. Her personal interests include cooking, hiking, reading, and watching movies, reflecting a well-rounded approach to both her personal and professional life.

Sam Goerss is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he helps clients identify financial goals and build financial plans tailored to their needs. He has previous experience as a Financial Consultant at E*Trade Financial from 2019 to 2020, a Financial Professional at AXA Advisors, LLC from 2016 to 2019, and an Investment Advisor Representative at Securities America Inc. from 2015 to 2016. Sam holds a California Insurance License. Outside of his professional work, Sam has personal interests that include cars, fitness, outdoor adventures, pets, running, and traveling.

Shelley Boutelle is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, having worked at Wells Fargo Bank, N.A. since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Zhouyang Wang is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 registrations and has worked with JPMorgan Chase Bank, Wells Fargo Clearing Services, and Wells Fargo Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The program combines quantitative and qualitative research to deliver recommendations within a structured eligibility and ESG framework.

Robin Huang is a financial advisor at Morgan Stanley with three years of industry experience. He previously worked at Citigroup and First Republic Securities Company, LLC. Huang holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Angelo Galloway is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and 10 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2017, and previously at J.P. Morgan Chase Bank and J.P. Morgan Securities from 2015 to 2017. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management, financial planning services, and a range of custodial and brokerage capabilities.

Samuel Vaughan is a Series 66-licensed financial advisor with Morgan Stanley in San Francisco, CA. He joined the firm in 2025 and has prior experience working at organizations including Boston University, Mustang Survival, and Sunnyside Marina & Watersport Rentals. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and structured financial planning services utilizing firm-approved tools and models.

Kenneth Friedman is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is the sole owner of ZEGA Builders Inc., a real estate construction business focused on homebuilding. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs supported by structured discovery processes and firm-approved planning tools.

Michael Krigel is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 license and 15 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves on the Finance & Legacy committee of Congregation Kol Emeth, advising on charitable giving and related financial matters. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based financial planning process without providing individual security recommendations in its standalone planning services.

Khoa Le is a financial advisor at Charles Schwab with 9 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing Services LLC. Outside of his advisory role, he also works as an Uber driver. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.